WO2014058349A1

WO2014058349A1 - Electronic payment system

Info

Publication number: WO2014058349A1
Application number: PCT/RU2013/000828
Authority: WO
Inventors: Арташес Валерьевич ИКОНОМОВ
Original assignee: Ikonomov Artashes Valeryevich
Priority date: 2012-10-10
Filing date: 2013-09-24
Publication date: 2014-04-17
Also published as: US10115084B2; US20150269540A1

Abstract

This utility model relates to electronic payment architectures specifically intended for account management systems, and specifically to electronic payment systems which comprise client devices of remote users, including an interface unit for controlling monetary operations and accounts, and are connected to one another with the aid of a unified network, which comprises at least one server comprising, connected to one another, a storage unit for a database of monetary operations and accounts, an authorization and authentication unit, a unit for controlling monetary operations and accounts, and an analysis and statements unit, and can be used by users of computer devices for controlling real and virtual monetary operations and accounts. In accordance with this utility model, the electronic payment system additionally comprises a unit for creating and keeping an account in real monetary units and a unit for creating and keeping an account in virtual monetary units, which units are connected to the unit for controlling monetary operations and accounts and to the storage unit for a database of monetary operations and accounts. The technical result that can be achieved consists in extending the possibilities of the electronic payment system.

Description

ELECTRONIC PAYMENT SYSTEM

The utility model relates to electronic payment architectures specifically designed for account management systems, namely, electronic payment systems containing client devices of remote users, including an interface unit for managing money transactions and accounts connected to each other via an integrated network including at least one server, comprising interconnected storage unit of the database of monetary operations and accounts, authorization and authentication unit, the unit is managed money operations and accounts, the analysis and reporting unit can be used by computer device users to manage real and virtual money operations and accounts.

Known electronic payment system containing client devices of remote users, including an interface unit for managing cash transactions and accounts, connected to each other using an integrated network that includes at least one server containing interconnected database storage unit monetary operations and accounts, authorization and authentication unit, monetary operations and accounts management unit, described in the description of the patent application for the invention of the Russian Federation Ns2010147838, published in 2006

In it, the client devices of remote users are made in the form of a mobile wireless communication tool, for example, a cellular telephone. The integrated network is made in the form of mobile wireless communications. The interface unit for managing cash transactions and accounts is made in the form of a data processing device. The authorization and authentication block is made in the form of a tool containing an encryption key for decrypting financial data.

Its disadvantage is the low capabilities of the electronic payment system, since it does not provide the ability to create and account in real and virtual monetary units.

The prior art is also known an electronic payment system, comprising a remote user client device includes an interface ^'block monetary transactions and account management, connected to each other by a joint network, comprising, at least one server containing interconnected storage unit — databases of monetary operations and accounts, authorization and authentication unit, monetary operations and accounts management unit, analysis and reporting unit described in the patent for utility model RF NS76485, published 2008 g.

It contains a server containing a connected unit for storing a database of cash transactions and accounts, an authorization and authentication unit, a unit for managing cash transactions and accounts, an analysis and reporting unit made in the form of a Database Server, which is responsible for authenticating parameters of activated and active universal debit and credit payment cards, authorization of transactions, accounting and monitoring the status of balance sheet indicators of users of the electronic payment system, the formation and accounting of information / payment documents provided to users of the electronic payment system.

This system is taken as a prototype of the proposed utility model.

Based on this original observation, the present utility model mainly aims to offer an electronic payment system that allows at least to alleviate the above drawback, namely, to expand the capabilities of the electronic payment system by providing the ability to create and account in real and virtual money units.

To achieve this goal, the electronic payment system further comprises a unit for creating and accounting for an account in real monetary units and a unit for creating and accounting for an account in virtual monetary units connected to a unit for managing money transactions and accounts and a unit for storing a database of money operations and accounts.

Due to this, it becomes possible to create and account in real and virtual currency units, create accounts in real currency units on the basis of real bank (credit) accounts, perform operations with accounts in real and virtual currency units (money transfers, credits to accounts, etc. .), perform operations with accounts both from computers and from mobile devices of users, to ensure the maintenance of all payment transactions from a single interface located on mobile and stationary "devices, which expands the capabilities of the system.

There is a variant of the utility model in which the block for creating and accounting for 75 accounts in real monetary units includes a block of conversions and cross rates.

Thanks to this feature, it becomes possible to create and account in various currencies, and convert some currencies into others.

There is a variant of the utility model in which the block for creating and accounting for 80 accounts in virtual monetary units includes a block for accounting and conversion of the gold equivalent.

Due to this characteristic, it becomes possible to create and take into account accounts in virtual monetary units, and convert them into real monetary units using the equivalent to the gold equivalent, 85 as well as create accounts in the domestic currency based on the gold equivalent, and manipulate virtual and real money funds according to uniform rules with the ability to transfer virtual money into real money and vice versa based on a cross-rate system. .

The set of essential features of the proposed utility model 90 is unknown from the prior art for devices of a similar purpose, which allows us to conclude that the criterion of "novelty" for the utility model is met.

Other distinguishing features and advantages of the utility model clearly follow from the description below for illustration and not being 95 restrictive, with reference to the attached figure, on which:

- figure 1 schematically depicts a functional diagram of an electronic payment system according to a utility model.

An electronic payment system (See FIG. 1), comprising client devices 1 of remote users, including an interface unit 100 for managing money transactions and accounts 2, connected to each other via an integrated network 3, including at least one server 4, comprising interconnected storage unit of the database of monetary operations and accounts 5, authorization and authentication unit 6,. block> management of cash transactions and accounts 7, analysis block, and reports 8., 105 The electronic payment system additionally contains a block for creating and accounting accounts in real monetary units 9 and an account creation and accounting unit in virtual monetary units 10 connected to the control unit, cash transactions and accounts 7 and the storage unit of the monetary transactions database and accounts 5.

110 The block for creating and recording an account in real monetary units 9 includes a block of conversions and cross rates 11.

The block for creating and accounting an account in virtual monetary units 10 includes a unit for accounting and conversion of the gold equivalent 12.

For commercial transactions in electronic payment

115 of the system there is a virtual monetary unit and a virtual bank with a gold equivalent (collateral). Essentially, such a monetary unit provides users of the electronic payment system with money with guaranteed gold security, which is obviously a more stable means of storing money.

120 The presence of a virtual monetary system allows users of the electronic payment system to carry out commercial operations of a virtual and real nature (buying and selling virtual and real property, services, etc.). Moreover, the virtual bank of the electronic payment system is the emission center of the financial system and

125 has all the features of real banks.

We introduce the concept of virtual currency (VDE). VDE is the equivalent of 0.01 grams of gold. The cost of 0.01 grams of gold is determined by the price of gold on a pre-fixed one of the international exchanges on which gold purchase / sale operations are carried out. Primary cash

130 equivalent is determined by the currency with which the purchase / sale of gold. An equivalent with other monetary currencies is determined by means of cross rates corresponding to currencies with the monetary currency unit at which gold was valued at a fixed exchange.

Initial and subsequent issues of virtual currency units

135 carries out the only issuing center - a virtual commercial bank. The primary issue is carried out in terms and amounts determined by the administration of the social network, within which a virtual monetary system is being introduced, on the basis of legislation and legally executed documents ·. 140 The real provision of the initial issue with the gold equivalent is regulated by the provision on the virtual bank and the primary issue.

All operations with virtual money are conducted through. analytical balance of a virtual bank based on an international chart of accounts.

145 In addition to accounts in a virtual currency, an electronic payment system provides the creation of accounts in various real currency currencies. These accounts do not have gold collateral and are a traditional electronic form for making various kinds of electronic payments and accumulation of financial resources.

150 Users of the electronic payment system are endowed with the ability to create virtual "wallets" with procedural capabilities for making virtual sales and purchases, receiving virtual money and real money for one form or another of providing their resources.

Virtual "wallets" of users ^{* are} presented in the form of accounts in

155 analytical, virtual bank balance sheet. Transactions with "wallets" are expressed in the form of accepted balance sheet postings of banking accounting in the analytical balance sheet of a virtual bank.

The authorization and authentication unit 6 may additionally include an integrated authentication and authorization system unit 13 and a unit

160 alarm 14.

The electronic payment system, in addition to the money management and account management unit 7, may include an electronic wallet and credit card management unit 15, an internal account management unit 16, a credit card management unit 17, a cash management unit

165 information 18.

The storage unit of the database of cash transactions and accounts 5 may consist of a storage unit of the database of accounting and storage of cash transactions 19, a storage unit of the database of accounting and storage of internal accounts 20, a storage unit of the database of accounting and storage of credit cards 21.

170 The cash transactions and accounts management unit 7 checks the conditions for executing the monetary transaction with credit cards or electronic wallets, and if the conditions are satisfactory, the cash transactions and accounts management unit 7 initiates the launch of cash and transaction support procedures. . Cash operations procedures are performed through the block 175 management of electronic wallets and credit cards 15. Thus, by means of the electronic wallet and credit card management unit 15, the procedures are checked, c. in particular, the availability of funds in credit card accounts and electronic wallets.

Under unsatisfactory conditions for operations or not

180, when the operation is performed by banking systems, the cash operations and accounts management unit 7 initiates the corresponding informing of the system users through the interface operations and money accounts management unit 2.

In all cases, the cash management and account management unit 7

185 stores information about the operations performed or about attempts to perform them in the storage unit of the database of accounting and storage of monetary transactions 19.

Upon satisfactory execution of the payment transaction, the Block is called.

^' · Management of cash information 18, which sends information about the transaction to the institution, which is awaiting cash confirmation

190 payments. .

The electronic wallet and credit card management unit 15 integrates the management of the placement and deletion of information about credit cards and electronic wallets, monitors the correctness of the maintenance and use of all accounts. Management integration in this block 15

195 is necessary for transactions between credit cards and electronic wallets of users.

To implement direct management of credit card accounts and manage electronic wallet accounts, an internal account management unit 16 and a credit card management unit .17 are intended.

200 The credit card control unit 17 implements the direct placement and deletion of credit card descriptors specified by the user, delimits access to them, monitors the status of credit cards in banks through software and hardware tools to support the remote user (such funds are provided by banks and other organizations

205 according to the laws and regulations in the banking sector), initiates the direct execution of credit card transactions by banking systems through remote user support modules.

At the same time, to carry out ¹ payment transaction ^{* to} banking systems; codes of institutions awaiting confirmation of implementation are sent 210 payments. In these cases, banking systems inform institutions about the payments made.

Block management: internal - accounts · 16 creates and removes internal accounts of the system within the framework of the virtual financial system, delimits access to accounts, analyzes the status of accounts, etc.

215 of the direct creation and deletion of accounts in virtual monetary units, the invoice creation and accounting unit in virtual monetary units 10 is called, which stores the account description and attributes, transmitting a signal to the storage unit of the accounting and storage database of internal accounts 20, and also sets marks on the initial state account status: whether implemented

220 transferring money to the account, whether there is gold security for this account, and if it does not exist, information flows are generated for the administrators of the system for organizing gold security. The account is activated from the moment the gold security is formed for this account.

For conducting operations with an account and performing virtual conversions

225 monetary units into real monetary units and vice versa, the unit for accounting and conversion of the gold equivalent 12 is called up, which forms a set of monetary and gold equivalents of virtual currency units through the allocation system. The key objective of the unit of accounting and conversion of gold equivalent 12 is to maintain a regime of ensuring gold equivalents of accounts

230 of this type.

For the direct creation of an internal account in real monetary units of a particular currency, there is a block for creating and accounting for an account in real monetary units 10, which directly creates an internal cash account together with the necessary descriptors and

235 attributes that are stored in the database of accounting and storage of internal accounts. The block tracks the initial state of the account: whether money has been transferred to the account. An account is activated after a user transfers money to the account using the usual bank payment methods in the selected currency.

240 The block of conversions and cross-rates 11 is intended for carrying out operations on payment, transfers and crediting to an account in various currencies and virtual monetary units.

The internal account management unit 16 and the credit card management unit 17 interact when performing operations simultaneously with 245 credit cards and internal accounts, for example, when transferring money, funds from an internal account to a credit card account and vice versa, payment operations authorized by the user, from credit cards by transferring funds to them from internal virtual accounts.

250 Analysis and reporting unit 8 provides users and the system administration with reports on the status of account balances, account movements, payments, etc. Reporting is prepared on the basis of information in the databases of accounting and storage of internal accounts, accounting and storage of credit cards, accounting and storage of cash transactions. In addition, to obtain standard

255 bank reports, the analysis and reporting unit 8 transmits a signal to the credit card management unit 17, which carries out a corresponding request to the banking systems via remote user support modules.

In general, each client device 1 may be any form of computing platform connected to a network, such as a federated network

260 and allowing interaction with application programs. Typical examples of individual client devices include, but are not limited to, stationary and portable personal computers, “smart” cell phones, (in English - a smartphone), lightweight clients, workstations, “non-intelligent” terminals,

265 connected to the application server, as well as their various layouts and configurations, which should be obvious to specialists in this field of technology, that is, both physical devices for interacting in communication interaction systems, and virtual devices implemented on programmable computer devices, and having

270 software interface for the implementation of communication functions.

Unified network 5, as well as all connections between all modules and blocks, include various topologies, configurations, and layouts of components of the interconnect, configured to interconnect corporate, global and local area networks, and

275 includes, without limitation, traditional wired, wireless, satellite, optical, and equivalent network technologies that should be apparent to those skilled in the art.

Electronic payment system - works as follows. Electronic Payment System User Using Unified Network 3 280 connects the client device 1 to the server 4. In this case, the interface unit, cash management operations and accounts 2 ^provides access to all the financial resources generated within the electronic payment system and outside it (credit cards, accounts created in real banking environment).

Interface unit for managing cash transactions and accounts 2

285 provides:

1) the creation of electronic wallets based on virtual money of an electronic payment system and in real currencies;

2) indication of own credit card numbers and their authorized access codes for the purpose of subsequent payments and

290 other credit card transactions;

3) call the list of electronic wallets created in the electronic payment system to carry out virtual transactions with virtual money;

4) a call, a list of credit cards for transactions with cash 295 funds placed on them (their accounts).

Among the operations carried out with virtual money on electronic wallets, such as:

1) crediting virtual money to electronic wallet accounts by transferring and converting real money from real credit cards;

300 2) crediting real money to credit card accounts by converting virtual monetary units from electronic wallet accounts or by direct transfer from ordinary internal accounts of foreign currency funds in accordance with established cross-rates;

3) making payments for goods and services (both within the system and outside it) with 305 electronic wallets;

4) making payments for goods and services (both within the system and outside it) from credit cards.

Access to a credit card or electronic wallet is allowed after calling the complex authentication and authorization system block 13, which is 310 supported by face recognition, voice identification, password and key phrase entry procedures, as well as iris identification, fingerprint identification and other means . Selecting and activating a credit card or e-wallet with a 315 password is - required. All . other procedures _; identification and authorization are selected and assigned by the user.

When the user is authorized by the unit of the complex authentication and authorization system 13, all identification procedures assigned by the user are sequentially called. Access to a credit card account or 320 electronic wallet is allowed if all procedures confirm the user's identity.

This or that procedure can be launched several times in cases of erroneous user actions or ambiguous results of recognition procedures.

325 If after the entire sequence of identification and authorization procedures has been completed, the result is negative, then the alarm response unit 14 is called by the complex authentication and authorization system unit 13, which calls the money management and account management unit 7 with information about an unauthorized access attempt and parameter

330 blocking the cash transaction system. The money management and account management unit 7 blocks the entire electronic payment system. The electronic payment system is blocked until the access restoration procedure is carried out.

In this case, the cash management interface unit and

335 accounts 2 informs the user about the blocking of the electronic payment system and the reasons and date / time of blocking, and offers to restore access to the electronic payment system. Access to the electronic payment system is restored using the password from the interface unit for managing cash transactions and accounts 2.

340 Relations "Virtual Bank" - "User" are implemented as follows.

The user of the electronic payment system gets the opportunity to create a "Virtual Wallet", tied to his registration data, and that is accompanied by the following procedure: the user transfers real money to the organization’s account 345 in a convenient currency; at. After receiving the money, the administration opens a user account in a virtual bank, converts the amount received into virtual monetary units and credits the received equivalent in virtual money to the user account. If money transferred to accounts in real currencies, they are credited to> 350 corresponding system accounts.

The conversion of real money into virtual monetary units is carried out according to the following procedure: the amount according to the cross rate is converted into the currency at which the gold is valued at the international exchange recorded in the virtual bank, according to the amount received 355 the amount of gold that can be purchased on this exchange is determined, determined the number of virtual monetary units equivalent to a given amount of gold, accurate to 0.01, i.e., for example, 3.05 VDE is equivalent

0.0305 grams of gold.

Each user of the electronic payment system has the opportunity at 360 any time to see the remnants of money in his "Virtual Wallet", to receive reports on all movements on his account in the Virtual Bank.

Each payment by the user and the crediting of money to his account, as well as all of his spending transactions are accompanied by classic banking transactions.

365 The virtual bank is supported by its own operating day system, a reporting and analysis system, including a synthetic balance, the bank's balance sheet, etc. Direct cash transactions with users (receiving real money, paying real money) can be carried out through affiliated commercial banks, or

370 through the usual system of settlements through accounts in any bank.

Expenses and accumulations in the accounts of the VDE are accompanied by a decrease and increase in the amount of gold (gold equivalent), respectively. The electronic payment system provides all kinds of transfers and conversions from account to account, including from an account in VDE to an account in real

375 currency and vice versa. The software and the administration of the electronic payment system support subsystems of crediting virtual money of users and depositing user funds in virtual monetary units.

User lending. electronic payment system

380 is carried out on the basis of legally sound documents in the form of electronic and paper forms.

If there is a collateral component in lending, both real tangible objects and virtual means of the user, if any. Mortgage funds 385 (property) of the user must be represented by legally * justified documents and evaluated in virtual monetary units.

The mortgage system can be limited only by real property, or only by virtual property.

Deposits of user funds are also carried out on a contractual basis 390 and are expressed only in virtual monetary units.

The electronic payment system of the operational day of a virtual bank carries all the characteristic features of real systems of the operational day and is presented:

1) means of execution of administrative financial documents 395 (payment orders, memo orders, etc.);

2) by means of financial transactions with their registration in the analytical balance of a virtual bank;

3) means of controlling financial transactions;

4) reporting tools;

400 5) means of analyzing the activities of a virtual bank;

6) by means of archiving all accounting information;

7) means of information protection.

Electronic payment system may include a subsystem of real payments, which provides integrated account management

405 credit cards placed in various banking organizations.

This subsystem allows users to enter credit card attributes, attribute coding and guaranteed safety. In addition, the subsystem provides the choice of a credit card that a user needs, making payments from a credit card or a replenishment operation.

410 Operations are made for transferring funds from one credit card account to another credit card account, from an internal monetary system account - a virtual wallet to a real credit card account and vice versa - from a credit card account to a virtual wallet account. Such transfers are made in accordance with the rules and equivalents established for

415 recalculation of a virtual monetary unit into a real monetary unit.

Money is credited to a real credit card in accordance with generally accepted rules and from devices accepted for this (with the exception of transfers from virtual money wallets). Credit card payments are initiated by the 420 user through the electronic payment system interface.

Log in. A credit card payment system is controlled by a user’s authorization and authentication block, which may include, for example, a face recognition system, voice recognition, a password and key phrase system, iris identification, 425 fingerprint identification, and other means. The purpose of identification methods, with the exception of mandatory ones, is carried out by the user.

The user selects a credit card account in the list of all cards (and their accounts) entered by the user in the electronic payment

430 system. The choice of each credit card (account) may be accompanied by its own password (code).

After specifying a card (account), the user selects a payment transaction from the list of credit card (account) transactions. Next, the user indicates the number of the device that can accept

435 confirmation of payment (credited to the account of the institution) in a predetermined form. Such devices may include credit card readers (a device installed at the cash desk of the institution to which the payment is made), computers and any other device adopted for the implementation of electronic payments of any kind.

440 By indicating the amount of payment and possibly additional information (product or service code, for which payment is made, institution code to which payment is made, etc.) by means of the system interface, the user, after confirming the payment function, initiates the payment by electronic server functions 4 payment system.

445 The server of the electronic payment system carries out a payment operation with a user’s credit card indicated by the user according to standard procedures adopted for payments from credit cards, with the exception of the payment confirmation function, which carries out a payment confirmation or notification of payment to the device, the code of which

450 is fixed by the user and transferred to the system server in the package of general information about the payment. Server, systems, respectively. . transmits the * device code to confirm the payment to the banking system with credit card transactions. Transactions on real credit card transactions are recorded in the 455 database of the system in its own format, regardless of the fact that this one. information is recorded in. banking systems, for which it is carried out - signal transmission to the storage unit of the database of monetary operations and accounts 5.

The user of the electronic payment system has the opportunity to receive reporting information both from the banking system of credit card support, 460 and from the accumulated information in the database of the system. Obviously, such reports may not coincide, as the user still has the opportunity to carry out operations with bank cards outside the system using traditional means.

In accordance with the proposed utility model, an electronic 465 payment system was manufactured on the Cafe4tune social network. The pilot operation of the electronic payment system has shown that it allows you to:

- carry out the creation of accounts in real monetary units;

- create accounts in virtual monetary units;

- carry out the creation of accounts in domestic currency based on a gold 470 equivalent;

- make manipulations with virtual and real money in accordance with uniform rules with the ability to transfer virtual money into real money and vice versa based on a cross-rate system;

- to keep records of accounts in real monetary units;

475. - to account accounts in real virtual units;

- create accounts in real monetary units based on real bank (credit) accounts;

- make operations with accounts in real monetary units (money transfers, credits to accounts, etc.);

480 - perform operations with accounts in virtual monetary units

(money transfers, credits to accounts, etc.);

- perform operations with accounts both from computers and from mobile devices of users;

- ensure the maintenance of all payment transactions from a single 485 interface located on mobile and stationary devices;

- use the user's mobile devices for transactions, operations with accounts as well as credit cards, for example, in real stores; - integrate everything within a single electronic payment system.

490. - ensure the storage of information about credit cards, check books and other means of storage. (real) funds in the public banking system, and provided by the users themselves with the interface means of the system;

- implement a comprehensive multi-level identification system and 495 authorizations for access to funds.

In addition, the proposed electronic payment system solves many problems associated with the safe execution of transactions with users' funds. So, known security problems with credit card transactions are solved in the proposed 500 electronic payment system as follows:

1. On the user's device there is no real information that would apply to credit cards - only the names of the cards that are determined by the user are stored.

2. In order to gain access to the credit card transaction block, it is necessary to go through a multi-level identification and authorization system 505: to provide access to a credit card, an electronic payment system user will have to go through a combination of identification procedures such as iris recognition, face recognition, voice recognition, fingerprint recognition key phrases, etc.

510 3. The entire identification system is constructed in such a way as to exclude static identification information (for example, to exclude the possibility of substituting a photograph for face or iris recognition, to exclude software removal of codes, followed by sending unauthorized software introduced to the device, and

515 etc.).

4. All operations with credit cards are implemented by functional servers that are closed to users of the system and external exposure.

This approach of multilevel identification and authorization is applied to all forms of storage of funds of 520 users in the electronic payment system.

All this ultimately · expands the capabilities of the electronic payment system.

Claims

FORMULA OF A USEFUL MODEL 1. An electronic payment system containing client devices of remote users, including an interface unit for managing money transactions and accounts, connected to each other using an integrated network that includes at least one server containing interconnected a unit for storing a database of cash transactions and accounts, an authorization and authentication unit, a unit for managing cash transactions and accounts, an analysis and reporting unit, characterized in that the electronic payment The system additionally contains an account creation and accounting unit in real monetary units and an account creation and accounting unit in virtual monetary units connected to a money transaction and account management unit and a storage unit of the money transaction and account database.

2. The electronic payment system according to claim 1, characterized in that the unit for creating and recording an account in real monetary units includes a unit for converting cross rates.

3. The electronic payment system according to claim 1, characterized in that the block for creating and recording an account in virtual monetary units includes a block for accounting and converting the gold equivalent.